Cele două sisteme/scheme de pensii private au în comun faptul că sunt de tip contribuţii definite (şi nu de tip beneficii definite) şi se deosebesc prin aceea că primele sunt obligatorii iar celelalte sunt facultative.

Scheme Contracted-out Number - Numărul schemei de pensii private
contracted-out money purchase scheme - sistem/schemă de pensii obligatorii private bazat(ă) pe valoarea contribuţiei/de tip contribuţii definite
contracted-out money purchase stakeholder scheme - sistem/schemă de pensii facultative bazat(ă) pe contribuţii definite/cu contribuţie definită/de tip contribuţii definite

Money purchase scheme - A pension scheme under which the amount payable is governed by the value of the contributions rather than length of service or earnings in employment.
http://www.expertasig.ro/dictionar/dict_en-m.php

Contracted out money purchase scheme (COMPS)
An occupational pension scheme that is contracted out on a money purchase basis i.e. where the employer pays minimum payments towards protected rights.

Contracted out stakeholder pension (CO-ShP)
A stakeholder scheme that is also contracted out.

http://www.statistics.gov.uk/about/data/methodology/specific...

To qualify as a stakeholder pension, a pension scheme must satisfy a number of minimum conditions:

it must be a defined contribution arrangement;

Who should take out a stakeholder pension?
Stakeholder pensions could be a good option for people who currently earn more than around £10,000 a year. However, they are available to almost everybody, including people in employment, fixed contract workers, the self-employed and people who are not actually working but can afford to make contributions. It's also possible to contribute to someone else's stakeholder pension - for instance someone can make contributions to their non-working partner's stakeholder scheme on their behalf.
http://www.thepensionsregulator.gov.uk/stakeholderPensions/g...

Asociaţia pentru Pensiile Administrate Privat din România (APAPR) a menţionat că "se face o mare confuzie între două sisteme de pensii complet diferite, sistemul de pensii de tip beneficii definite şi *sistemul de tip contribuţii definite*, sistem implementat şi în România prin Legea 411/2004" ...
http://www.moneyline.ro/articol_13647/administratorii_fondur...

Prospectul schemei de pensii facultative autorizat prin Decizia CSSPP nr. 9/24.04.2007
http://209.85.135.104/search?q=cache:ShcwpFpc3ZMJ:www.pensii...

Pensiile private obligatorii si facultative se vor plati dupa o lege unica
http://www.pensii-private.eu/Stiri/Stiri/Pensiile-private-ob...